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HomeMy WebLinkAbout866834WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 0007687809 DEFINITIONS The Note states that Borrower owes Lender Thirty Thousand and No /100 i i U M i u u D 866834 B OOK 4 48 PR PAGE 2 0 3 Space Above This Line For Recording Data MORTGAGE Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words. used in this document are also provided in Section 16. (A) "Security Instrument" means this document, which is dated June 28 2000 together with all Riders to this document. (B) "Borrower" is ROBERT R RUH and LYNDA L RUH, husband and wife 0 i WYOMIN(i-Singla Family —FannN Maa/FraddN Mac UNIFORM INSTRUMENT LT. 9/00 RECEIVED iNCCt1.,i' COI Ci._fi: Borrower is the mortgagor under this Security Instrument. (C) "Lender" is Fi Security Bank N.A. Lender is a Corporation organized and existing under the laws of The United States of America Lender's address is 485 Washington Afton, WY 83110 Lender is the mortgagee under this Security Instrument. (D) "Note" means the promissory note signed by Borrower and dated June 28, 2 0 0 0 00 JUL 3 FH 3:04 c1LMNL. E r 47 LF∎ KEMMERER, WYOMING Dollars (U.S. 30,0'00.00 plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than J u 1 v 1 2015 (E) "Property" means the property that is described below under the heading "Transfer of Rights in the Property." (F) "Loan" means the debt evidenced by the Note, plus interest, any prepayment charges and late charges due under the Note, and all sums due under this Security Instrument, plus interest. Initlals) Initials Form 3031� (page 1 of 15 pages) MWY01CV O &G G s 34 (G) "Riders" means all riders to this Security Instrument that are executed by Borrower. The following riders are to be executed by Borrower [check box as applicable]: Adjustable Rate Rider Balloon Rider 1 -4 Family Rider (A) "Applicable Law" means all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final, non appealable judicial opinions. (I) "Community Association Dues, Fees and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization. (J) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer, or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point -of -sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (IQ "Escrow Items" mean those items that are described in Section 3. (L) "Miscellaneous Proceeds" means any compensation, settlement, award of damages, or proceeds paid by any third party (other than insurance proceeds paid under the coverages described in Section 5) for (i) damage to, or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property, (iii) conveyance in lieu of condemnation or (iv) misrepresentations of, or omissions as to, the value and/or condition of the Property. (M) "Mortgage Insurance" means insurance protecting Lender against the nonpayment of, or default on, the Loan. (N) "Periodic Payment" means the regularly scheduled amount due for (1) principal and interest under the Note, plus (2) any amounts under Section 3 of this Security Instrument. (0) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.) and its implementing regulation, Regulation X (24 C.P.R. Part 3500), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a "federally related mortgage loan" even if the Loan does not qualify as a "federally related mortgage loan" under RESPA. (P) "Successor in. Interest of Borrower" means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and /or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY Condominium Rider Planned Unit Development Rider Biweekly Payment Rider This Security Instrument secures to Lender: (a) the repayment of the Loan, and all renewals, extensions and modifications of the Note; and (b) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does Loan Number: 0007687809 W YOMINOSingle Family- -FannN Mae/Fraddla Mac UNIFORM INSTRUMENT I.T. 3/00 204 Second Home Rider Other(s) [specify] Initial slnrnai Form aos1 am (page 2 of 15 pages) MWYO2CV AOCOAM I (seBed gL /o g eyed) sele not aw4 CJ „ssazppy Attadozd [laazlS] IBINuI >IBflul •za;suvvj spund oiuozloaia (p) JO Alpua zo `iilg1luatutulsui `AouaBE jEZapa; E Rq paznsut aze slisodap asogm uopnlpsui uE uodn uMgzp si pogo Bons Aug papinozd `paw s 1O 3ioago s,aaznsgazl `3ioago 31uEq 'vow p umao (o) `zapzo Aauout (q) `gsgo (E) :Jopual Aq paloaias sr `suuo; Bupsoijo; aril ;o =um JO auo ut apeUI aq luatunusui Alunoas sup pum aloN atp zapun anp sluatuiCEd luanbasgns Tit JO Aun lntil azinbaz AEUt zapun -I `pisdun zapua-I of pauznlaz si auatunzlsul Alunoos sup JO aioN a p zapun luau /Cud sr zapual ,Cq paniaoaz luanitulsUi zatgo JO )ioago i(UE JI `zanamoH •Aouazzno •S•n ui apEtu aq iiEgs auatunzlsui AlunoaS suit puE aloN aril zapun anp maul/cud E uopoaS of Turns/rid stand Mozosa zo; spun; ,Cnd osin !pits JOMOJJOH aloM aril zapun anp salmi° ale! pue saBzggo luatuArdazd fur pue aloN aril Aq paouapina lgap aril 'Ito lsazalui pun ;o igdiouud atp anp uagm ,fed urgs zaMouog •saBaggO awl pug 'saS.tngj zuauz,Cedaad 'swan Moaasd 'isaaaluI 'tediouiad ;o auaw,igd •i :SMOiio3 SE aaav puE 2UEUanoo zapUa-I pun zamozaog •S,LNV■HAOD I"DlOdIN •Atiodozd igaz Buuan03 luaumzlsat M uuo31un E alnlpsaoo of uopoipsunf Aq suopnunn palitUii AliM slueuanoo uuo ;iun -uou pug asn jEUOUSU zo; slunt1 A0O uuo ;iun sauiqutoo ZNHJAHPI.LSNI A,LRInOas SIH,L •pzooaz ;o saouEZqumoua AuE of loafgns `spuEatap puE sutiEio ILE lsatEBE /Clzadozd agl of app agl ii1EZaua pun ;ap IIIM puE SluEZinM zamozlog •pzooaz jo saouiZqutnoua Jul ldaoxa `pazaquinouaun si Auadozd atp TEtg pue Alzadozd aril Aanuoo puE Tura `aBnBlzout of ltS 1 alp sEg puE paAanuoo Agazag alnlsa aril ;o pasias AunJMgi st z2M0110g legl SINY•HAOO 'aaMO 28011 Alaadozd„ alp SE luatunzlsui AltznoaS sup ui o paz1a;az si BuioBazo; alp 3O IId •luautnzlsul ,flunoos snit pazanoo aq ow mils suoptppg pug sluauuaoEidaz •,ilzadozd atg jo 1pgd g zal;Eazag 10 Mou saznlxu puE `saoueuapndde `sluautasga iIE pug `,Cuadozd agl uo par= zal;Eazag JO MOU sluatuanozduti agl IM HZIM 2iaH,LHJO•L [drZ] [AM] 0ll£9 BuItimAA\ NO1UV 30N3AV 011E M LL oo/E '1'I 1N3IYfU1SNI W1lOdMfl O aIBWSONIWOAM 609L99L000:JegwnN ueo-i jo ssazppe alp seg Apuauno goigM '0NINNI038 d0 30V1d 3H1 01 5008 OZ H1flOS 33N3H1 !1331 LL 1S3M 33N3H1 !SOON OZ H1HON 33N3H1 !1334 LL 1S 33N3H1 ONINN01 101 OIVS d0 113N800 iS3MH1flOS 3H1 AO 1SV3 1331 Z/L P01. 1NIOd V 1V ONINNI038 :SM0110d SV 039IH3S30 A18V1f10I18Vd 3UON DNIWOAM `A.N000 N100NI1 `NO1UV AO NM01 3111 01 L )I3019 AO 101 d0 lHVd [uoilotpsunr Butpzooall JO OMEN] [uopoipsunr Butpzooau jo adAy] N103NI1 3° A,LNn00 alp UT palgool iCizadozd paquosap Buimoiio; alp `ains jo zamod tpTM `sUBtssu puE szossaoons s,zapua-I pun zapuaj of Sanuoo pun luv `aBgBuout Agazag t�R99N0 0866834 Payments are deemed received by Lender when received at the location designated in the Note or at such other location as may be designated by Lender in accordance with the notice provisions in Section 15. Lender may return any payment(s) or partial payment(s) if the payment(s) or partial payments are insufficient to bring the Loan current. Lender may accept any payment(s) or partial payment(s) insufficient to bring the Loan current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment(s) or partial payments in the future, but Lender is not obligated to apply such payments at the time such payments are accepted. If each Periodic Payment is applied as of its scheduled due date, then Lender need not pay interest on unapplied funds. Lender may hold such unapplied funds until Borrower makes payment(s) to bring the Loan current. If Borrower does not do so within a reasonable period of time, Lender shall either apply such funds or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure. No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all payments accepted and applied by Lender shall be applied in the following order of priority: (1) interest due under the Note; (2) principal due under the Note; (3) amounts due under Section 3. Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due, the payment may be applied to the delinquent payment and the late charge. If more than one Periodic Payment is outstanding, Lender may apply any payment received from Borrower to the repayment of the Periodic Payments if, and to the extent that, each payment can be paid in full. To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments, insurance proceeds, or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date, or change the amount, of the Periodic Payments. 3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full, a sum (the "Funds to provide for payment of amounts due for: (a) taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property; (b) leasehold payments or ground rents on the Property, if any; (c) premiums for any and all insurance required by Lender under Section 5; and (d) Mortgage Insurance premiums, if any, or any sums payable by Borrower to Lender in lieu of the payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called "Escrow Items." At origination or at any time during the term of the Loan, Lender may require that Community Association Dues, Fees and Assessments, if any, be escrowed by Borrower, and such dues, fees and assessments shall be an Escrow Item. Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items. Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time. Any Loan Number:0007687809 WYOMING-Single Famlly-- Fannla Mae/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 Initial: Initial 206 Form 3051 3/99 (page 4 of 15 pages) MWYO4CV AOMMAM I (setied 91, 10 9 ()tied) an ism uuom 1.0 ts1B1U.Ul) (sle1NuI) OWE '1'1 1N3Wf1ll1SNI Wttomin o'W NPPeid/e"W a u--Atiun u eIOuISONMOAM 609L99L000:JegwnN us01 pffal `uT trap alp jo luaUtaozojua lsaIrSu spuapap JO `Aq g1tr; poo8 uT uail agl sisa1UOo (q) :luatuaaar lions &uTuuo ;zad sT JamuZl%g se Buol os inq `Japan of aigeidaooe Jammu r 11T uaTL aqi Aq pampas uoipmSggo alp 3o luatuArd alp 01 9upiuM ui saaar (m) :JOMOJJOg ssalun luaum isal AiimoaS sttp JOAO ASuoud Stg gpups nail /Cur affiegoslp Apdtuoid Melts zamoJJOg uopoaS uT papTnoad aauueat ail ui magi Ard pegs 1amonog `swan mozosg aJt satalt asap legs luaixa alp oy Ian 3i `sivatussassy par `saad `sang uogrpossy iCuunuuuo3 pus `Aue JT `Auado1d alp uo swat puncu .10 s1UaumArd piogaseal `ivauuuisul ,Ciunoas snip Jan) AnJoud unripe two goigM Auado1d atp os algeln suopisodup par `Sault `saRretio `sivauIssassr `saxes sir Ard Iirgs J0M011og 'wan tsa21Eg3 •b °Japua-1 Aq ppq spund Aug 1aM0110g 01 pulp= iCpdmozd Iirgs Japua-j `1uammtuisal AlunoaS sup paanoas sums sir 3o un3 UT 1uatuArd uodn sluamArd iCI113uotu anlaml um ().tout ou u1 inq `VdSa2I IrPTM aouepzoOOm uT ,CpuaTogap atp dn 0Irw 01 Azessaoau Junotur alp Japan 01 /Crd iirgs aamoJuog pur `VdSa2I Aq paztnbai sr 1amo1JOg XJpou lugs Japua1 `VdSaI Japan PaUgap sr 'mama ui ppq spund ;o AOUatpgap 5 St anti) Ji •S2UaUIi(Sd Aigsuouc anlaml urgs wow ou 11T lug `ddSau TII!M aOTrep10001 UT a5euogs aip dn a][em of kzrssaoau Junotur alp Japan o1 hd Iirgs Jamoz1Og pur `VdSau dq papa= sr 1 M0110 XJTioa imp Jja'I `ydSa J Japun pa reap se `M01OSa UI ppq spund 3o a$ruogs r Si aaagi 3I aOUr7103OE uT spun; ssaoxa alp JOI 1 At0JJOg of iun000r Tirgs 1apual `bdSa2I Japan pauuap sr `MO1OSa Ui ppq spund ;o snidms a sT aaatp 3I ddSa�I Ali PaJTnbaJ sr spund aIp 3o Bu1iun000r ImnUUS 115 `a2JSgO motipM `Jam0110g 01 OAT2 lugs JapUa-1 spund atp uo pird aq Begs lsaza2U1 Imp `Janamoq `ffut1uM ut aaJ85 Uri Japuai put 1 M011og .spund alp uo sSUTu ra Jo Ismail)! 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Ur uT ppq aq llrgs spund alts •mr-1 algroilddy tptM aOUtp1oOOr uT as1MJag2o JO salad Mo1OSg aznin; Jo samlipuadxa Jo saleunssa algquosrai pur e1ep 1UaunO 3o Sisrq atp uo anp spund Jo iunoUte ag1 a2rUTTlsa Timis Japun VdSa2I Japan ai1nbai uro JapUal m plumy UTn11nxeaI atp paaoxa os 1011 (Z) pur VdSa2i zapUn pagpads aunt alp le spund alp Aiddm of Japua-1 inroad o1 1uaTOg;ns (I) 1Unotar U5 u1 spund pp( pur 1OaIIoo `aUTp JCur 1e `Arta Japuai UopOaS sIgi Japan paiTnbaJ nag) aze 15111 `Ssunotut lions ur pur `spund pr Japua-1 03 Aed Mutts Jamo11Og `uoTl5oona1 gpns uodn `pus SI 11o'1paS '(2FM aoUepoOOr ut Uang aOTloU IT Aq amp ,sum 1e satalj MoIOSg pr Jo Cur 01 sr zamrm ag1 alona1 A5tu zapun •lunoUtS Irons AU5 Japua-T o ,itdaa 01 6 uopoaS Japan aq uagi lugs Jam0110g pur 2Un0tae lions gird par 6 uopoaS Japan slg5u SIT asTOZaxa Arm Japaa' `Utah Mo1OSg ur ao3 anp Juno= ag1 1i5d 0s SIte3 1 M01JOg p115 `Jamem 5 01 iurnsmd poanp SUTa2I MoJOSa Ard 01 paie$Tlgo ST Jamoaa0g 3I •6 U0t1OaS in pasn SI „3UaUtaa1Br pus 1u5aanoo„ assn jd aq1 sr `1UatunJisul AlunoaS sigi 111 pau15luo3 1UatuaaJ$r pus laema/10o a aq 01 patuaap aq sasodznd its Jo3 lugs SldtaoaI apinozd 0) pin sluam (sd lions 03I5at os uoprffpgo S,zamouog •annbaJ XSUT Japaa-I sr pouad amp Irons utglim )UatU/C5d irons &upuaptna ssdtaoaJ Japuag 01 gsTuzn; II511s `sannbaz Japua-1 3t `pus zapuaj panirM uaaq ssq spund 3o ivatuICSd gpTIrM J0J saran mama /Cur Jo3 anp siunoUJS atp `algeASd azagM pus uagm `Xpoazip Xed pegs z0MO1JOg `JOATSM Iron JO luana 0111 UI •9U11UM UT aq £)UO ,feat JanT5M lions 0866834 proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending, but only until such proceedings are concluded; or (c) secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien. Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrower to pay a one -time charge for a real estate tax verification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage," and any other hazards including, but not limited to, earthquakes and floods, for which Lender requires insurance. This insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender requires. What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require Borrower to pay, in connection with this Loan, either: (1) a one -time charge for flood zone determination, certification and tracking services or (2) a one -time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification. Borrower shall also be responsible for the payment of any fees imposed by the Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any particular type or amount of coverage. Therefore, such coverage shall cover Lender, but might or might not protect Borrower, Borrower's equity in the Property, or the contents of the Property, against any risk, hazard or liability and might provide greater or lesser coverage than was previously in effect. Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained. Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss, Borrower shall give prompt notice to the insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in writing, any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property, if Loan Number: 0007687809 WYOMINOSingle Famlly— Fannla Maa/Fnddia Mac UNIFORM INSTRUMENT I.T. 3/00 Initials initials 208 orm 3061 3/99 (page 6 of 15 pages) MWYO6CV AOLOAMW (seed 9L Jo L eyed) ewe nee w od 60Z ow '1'1 1N]Wnlr1SN1 MIHOaINm **VI •IPPS+d/ SMj yuueI Allured eleuls-0111110AM 60 8/.89L000 aegwnN 0801 •asnno ajgmfirosnaz tans Sut(moads uopoadsut zoua3ul ue tons o3 zoud 10 JO aura at3 lr aopou zam011011 OAP jiets zapua•j •A3zadozd alp uo s1uaUranozdmi atp jo zorzanq all )oadsui Amu zapuai `asne0 ajgeaosnaz set ll ;j •Alzadozd alp jo suopoadsut par uodn sappua ajgeuosnaz aieui Arm lua8e sat z0 zapnai U0pRzolsaz z0 uedaz pans jo uopajduroo atp zo; uopeSrjgo s,zamozzog ;o panaljaz 3ou sl zamozzog `,C3zadozd all aims= zo prdaz o luatopjns 3ou aze spaaoozd uopetrarapuoo z0 aouemsal all ;j •palajduroo si Azom atp se sivaaard ssazgozd jo sus a ui zo juaurAnd aj &urs n ui uopnuo3saz pun sprdaz all zo; spaaoozd asmgsip Attu zapua-j •sasodznd tons zo; spaaoozd pastajaz set zapua-j ;l Ajuo Apadozd all Burzolsaz zo Wurziedaz zo; ajgisuodsaz aq jjrts 1amouzog `,Clzadozd ail ;o $uppp all zo `02 a5' m p plim uopoauUOO ul prnd alt spaaoozd uopnuruapuoo zo aoueznst ;j a$earrp Jo uoptzoualap 'awn; pionr o3 pa8rurrp ;r 1C3zad01d all prdaz Spdarozd pups Jamul% `ajgisra; Ajjeorurouooa 3ou Si uopt1o3saz JO zltdaz pap S uopoas of lutnsznd paumualap si li ssajun •uopipuoo sal 03 anp anjnn ur 8ursna1O p JO 8upezoualap U101; A1z0d01d all luana1d of zapzo ar A1zado1d alp urelurear Ijets JOM0110g `Xpzadozd atp ui Suipisaz si 1 MO1JOH Sou JO zalpatM •Alzado1d all uo arsum liarruoo zo aptzoualap o3 ,C3zadozd alp mom `,Cpzadozd atp n dmr 10 a8nartp `Soz3sap Sou jjrls zamozzog •suopoadsuj '.,i3aadoad at3 3o uoj3aa3oad pug aaugua ;up ij 'UO!;gnaasaad •jozluoo s,zamozzog puoSaq a13 toltM 3sixa saoue3samozio Rupenua1xa ssajan zo `pjatt31M Ajgsuostazun aq 3ou Ergs 3uasaoo IOlgm lupuM ui saaat aspwat3o Japan ssajun `Souedn000 ;o airp alp zap ;e zea& auo 3seaj In zo; aouapisaz jedIouizd s,zamouog se Alzadozd alp ,idn000 03 anupuoo pegs put luaUmzlsuj iClunoas sap ;o uopnoaxa alp zal ;r sArp Spur ultpM aouaptsaz jtdpuud s,zamOzzog se A3zadozd atp asn pie `tsrjgt3sa `Xdn000 jjtls zamozzOH •,iougdnaa0 •9 •anp uatp 3ou zo =pap& `3uaumzpsuj A3unoas srtl JO 010N all 'awn pr dun s3unoart ,Ced o3 10 A110dozd atp azolSOI JO zledaz of zar m o spaaoozd aoueznsui au') asn dear zapua-j •A3zadozd alp jo atezanoo alp or aigsorjdde aze s3t2u lops se mom! `A3zadozd alp &uuano0 saioijod aoueznsai jje zapun (zamouog Aq prod sung pauzraun jo pupal Sun o3 1112p all untl zaipo) s3g8u s,zamozzog jo zal3o Niue (z) pule `3uaUmz3suj Apunoas sap JO 030N alp zapun predun siunoum alp paaoxa o3 lout 3un0ure us up spaaoozd aoutznsul fur 03 s3t2u s,zaMO1Jog (j) zapua1 o3 suffrsse ifgazat zamoz1OH `asrmampo 10 ZZ uopoas zapun Alzadoxd alp sapnboe zapuaq Jr 10 luana zarpra III 'MAO sr aopou at3 uatM ur6aq jLIM pouad Anp -p£ at,L •UTlnp alp 01110S par a3tpoRau d(rar zapua-j uarp `urrep a arms 03 pang() set z0111V0 a0Ueznsar alp 3e13 zapua-I wog aopou t o3 S Cup p£ uppyit puodsaz 3ou saw zaMO.uog ;j •szal3tar prig.' pun uprj0 aoutmsar ajgejrent Cut aplas put a3tpo2au `ajg Arm zapua' `X3zadozd all suopungn zamozzog 3I •Z uor30as ui zo; paprnozd zapzo alp ur parjdde aq jjtgs spaaoozd aOarznsar tons •10m0zz0g 03 pled `fur ;r `ssaoxa alp lIIM `anp nap 3011 10 1a 'mammal /(lunoas sap Aq pampas stuns alp of paijddr aq pugs spaaoozd aoueznsur alp `pauassaj aq pjnoM ti3iznoas s JO ajgisra; iCjjr0larouo0a 3ou sr prdaz JO 110435102501 atp ;j ..10MOLIOil JO uopegpgO ajos atp aq peps pue spaaoozd aounznsal alp ;0 3n0 pled aq 3ou Ins IOMOZZOH ,(q p01145301 `sapztd pull 1at2o 10 `szaisnfps oljgnd zo; saad •spaaoozd tons uo samara zo 3sa1alur Niue 10M01100 iced or pa1mba1 aq 3ou jjels zapual `spaaoozd aoueznsur tons uo pled aq 01 Isamu! sa1rnbaz man ajgnotjddy zo Ruppm ui spear sr 3uaUraa1Be u5 ssajun •palajduro0 sr 3410M alp sr s3uaurArd ssazffozd ;o sauas 5 ur 10 3uaUriind aj&urs 5 u! U0p5zo3saz pus s145daz aq3 zo; spaaoozd aszngstp Star lapuai •Apdurozd umlzapun aq Ijnps uopoadsul tons 351p papinozd `uopos;spss s,zapu0 T Op palajdaroo uaaq set v410M alp ammo 01 IC3zadozd tons racism o3 iC3runlzoddo u5 pet stir zapua-j jpun spaaoozd 00uezris11 lions plot o3 3t5u all anti jots zapua-j `pouad uor3ezo3saz par zrndaz tons UU1lQ •pauassa3 3ou sl iC2r1n0as s,zapua'-j par ajgtsna; AproraroU000 sr 1rrda1 JO aopez02saz all iF899NO 0866834 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument. If (1) Borrower fails to perform the covenants and agreements contained in this Security Instrument, (2) there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations), or (3) Borrower has abandoned the Property, then Lender may do and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument, including protecting and/or assessing the value of the Property, and securing and/or repairing the Property. Lender's actions can include, but are not limited to, (1) paying any sums secured by a lien which has priority over this Security Instrument, (2) appearing in court, and (3) paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument, including its secured position in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate building or other code violations or dangerous conditions, and have utilities turned on or off. Although Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing. 10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason, the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance, Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available, Borrower shall continue to pay to Lender the amount of the separately designated payments that were due when the insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non refundable, notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve. Loan Number: 0007687809 WYOMINOSing a Family- -Fannie Ma./FraddIo Mao UNIFORM INSTRUMENT I.T. 3/00 nISal IMtlal 210 Form 3051 3/99 (page 8 of 15 pages) MWYOICV A000AMI (seOed 9i !0 6 eBed) 00/e L9oe uuoN rrz 1B101 9 1 8 1u u1 00/C '1'1 iN3Wntl1SNI WWdINn oeiry M nalamoW suttee- "Aumj a10WS'JMWOAM 608L89L000:iegwnN ueoE iurelo E aims o1 pmmr us altuz o1 sza; ;o (aaualuas 1x00 ui paauap se) 41ed guisoddp am rip zamozzog of zapua-I aopou zags `3i JO `zamozzog Aq pauopuegt si Alzadozd aql 3I •anp tram On sums am lou JO zagla11M 1ua1mnz1sul Mznoas sup Aq pamoas sums am 01 patldde aq Ilsgs spaaoozd snoausllaospAl tip `BupuM ui aal a asIMZa1110 zapua7 pue zam0JJOg ssaltm `anon 111 SSOI JO `uopOnzlsap `Bugs) Itpztd aq1 azojaq JCI01tTpatutui paznoas sums am jo lunotue acll uttp ssal s1 amen 11i ssoj 10 `uoponzlsap `Buis Itpztd 0113 azojaq iCIalwipammi Rlzadozd aq) ;o anon la3I1etu 1 f3 am goigM ut Aizadozd a111 JO 0nlsn ui SSOJ JO `uopotulsap `Bu1)jRl Ispztd t JO 11I0n0 a p uI •zamozzog o1 pred aq IIEus aOUelsq Cud amen uI ssol JO `uoponzlsap Tugs lepied am azopaq AI03EIpamtul Rlzadozd am jo awn 1aveaz zisj am (q) Aq papinlp anon uI ssol zo `uopOnzlsap `Bttpltl IEpztd am azo ;aq AIa3Etpaunul paznoas sums am jo molar plot am (E) :uoporij $11imolloj tip Aq paijdpjnm spaaoozd snoOUEllaOSTJA aq1 jo lunouzE tip Aq paonpai aq hugs luatInzlsul 44noas sup Aq paznoas stuns at 3 `BupuM ui 0018E asytuaTi3o zapua7 pus zam011013 ssapm `anon Ut SSOJ JO `uoponzlsap `Bugs) IEiuEd tip azo ;aq Aims-walnut 3uattnzlsui A3unmas sup Aq paznoas stuns am 3O limotun am uE111 za3EaLB z0 01 IEnba sI anon 11I Ss0I zo `uopOnzlsap `Buz3jE1 mind am =jag AIa3Eipaurtul Auadozd tip ;o amen 1a3lzsaz zre; am gouj Ui Alzadozd alp jo anon 111 SSOJ JO `uopOnzlsap Bu st 1Epzed n ;O 1110n0 am uI zamozzog o1 pred `AuE 3t `ssaoxa tip ipt `anp uagl lou JO zaipagM luaurtulsul Alunmas sup Aq paznoas sums am 01 patldde aq Neils spaaoozd snoauellamsm am `Alzadozd am JO anon uI SSOJ z0 `uoponzisap `BupIE3 IE101 E JO 3U0n0 0111 III •z TIMMS Ut 10j papinozd zapmm x111 uz pallddE aq Iogs spaaoozd snoauspaos1JA lions •zamouog 03 pred `AuE 3i `ssaoxa tip Timm `anp uatp Sou JO zamaIM luaantusul /Clunoas sup Aq paznoas sums am 01 pagdds aq logs spaaoozd snoaUEIIaos tip `pauassal aq pinoM A3unOas s,zapun zo algiseaj AlootuuouoOa 3011 si ziedaz JO uopszo3saz alp 3I •spaaoozd snoauEllaospAl lions uo Eft:IM O JO 3saza1Ut ,CUE zaM0Ji0 /CEd 01 pannba1 aq 3011 putts zapUa-I `spaaoozd snoausp0oS N Timis 110 pied aq o3 lsazalui sai nbaz MEZ algEOtlddV JO Bui3uM uI apEtu sI luatuaa1BE uE ssalun •palaldtzoo sI ]IJOM tip se sluaUUAtd ssaiBozd jo sauas a 11i to luatzaszngsip aJBUls E 111 uopnzolsaz pus sz1Edaz am zo; Iced /Cm zapun °Apdiuozd ua)lelzapUn aq prqs uopoadsui grans lntp papinoid `uot3OEJspes s,zapua1 o1 palaldutoo uaaq sEq AJOAk gip aznsua 01 ,CUadozd 110ns loadsui o1 A3umlzoddo uE peg sEq 1apun Itlun spaaoozd snoaurpaospni lions ppmTi o1 3TiBu a p ansq pegs zapua-I `pouad uopezo3saz pun ntdaz lions BuunQ •paUassal 1011 st IilunOas s,zapuaJ pus algtseaj AI1EOut0UOOa si 1 Edaz 10 uopezo3saz am 3i `iC3zadozd 0111 3o ztedaz JO uopE103saz 01 pagddt aq IIt1s spaaoozd snoaUEllaosuni 11Ons `paBEuIEp si Alzadozd aq1 3I •zapun o1 pled aq TIES pus 01 paUB1SSE Agazaq aze spaaoozd snoauEllaos!1 IIy •ain3lajJog :spaaoozd snoauEllaasly1i Jo 3uatuu2issy •iI •a1oisI am uz papinozd a3E1 atp 1E 3sazalui And 01 uoi1ESilgo s,zamouog s3Oad3E OI Uop0as sup UI Buupobl .Mtn algeoilddy �Cq paiinbaz si u0pEUuuzal ppm zo Uopeautua3 g0n zoj Buipinozd zapur pus zamozzog uaaM3aq 1uautaa1BE ua311L ,iuE tipm a0utp1o00E 111 spua aouEZnsUJ a$s8lzoyQ zo3 3uatua11nba1 s,zapUaJ am 'pun `anzasaz ssol algEpunjaz -uou E apinozd 01 JO 100330 ui 00utznsui aBEB1zoy4I um3u of paunbaz sumuuazd a p And Neils zaMOfl0 `a0UEZnsul a2E83zoyAI 10j stunuuaid alp pzemo3 s3uatuiCtd pa1EUBIsap Ala1E1Edas a3letz o1 pazmbaz sEM Jamozzog put uEO•I am RUT3IEti ;o uopipuoo a sr aoueznsul agE8lzow paztnbaz zapua7 31 •aousinsul aBE83zoJA zoj stualtuazd am pzemol sluam/cud papluBisap Ala1EZEdas sazmbaz zapun pus `pauislgo si `algelrene samooaq upffs zapua- Aq Impalas zaznsau ue Aq papznozd (sannbaz zapua-j )Etp pouad amt 10j pus 3unouue alp iii) aBE1 A00 a0ueznsUl a2E41OJAI 31 s3UatuJCed aezasaz SSOI azmbaz zaBuol 011 TIM zaPUa1 ttS99 O 0866834 for damages, Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous Proceeds. Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment, precludes forfeiture of the Property or other material impairment of Lender's interest in the Property or rights under this Security Instrument. The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower or any Successors in Interest of Borrower. Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy including, without limitation, Lender's acceptance of payments from third persons, entities or Successors in Interest of Borrower or in amounts less than the amount then due, shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co- signers; Successors and Assigns Bound. Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who co -signs this Security Instrument but does not execute the Note (a "co- signer (a) is co- signing this Security Instrument only to mortgage, grant and convey the co- signer's interest in the Property under the terms of this Security Instrument; (b) is not personally obligated to pay the sums secured by this Security Instrument; and (c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co- signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of Borrower's rights and benefits under this Security Instrument. Borrower shall not be released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind (except as provided in Section 20) and benefit the successors and assigns of Lender. 14. Loan Charges. Lender may charge Borrower fees for services performed in connection with Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including, but not limited to, attorneys fees, property Loan Number: 0007687809 WYOMING-Single Family— FannIe Mae/FraddI• Mac UNIFORM INSTRUMENT LT. 3/00 nit's! s Initials 212 orm 3051 3/99 (page 10 of 15 pages) MWYIOCV AOl IMAM (sexed 9i /o l L e6ed) eetvc igoe w.o eIeW.W siMut o '1'1 zN3VI nusNI WtlodlNfl OIII •PPu3/S'pl Muutd- Nluierj elCul9-UNINIOAM 608L89L000 :JegwnN ueo"i °ivati ntisul Aiunoas sup jo par awls' alp jo £doo auo uaniS aq pegs zamouog •,fdop yamoaaog •LI •uopor Pius all of uopesipgo Aur InotpTm u0pazosip aios san!S „Arm„ !mom am (E) pue `rszan 03IA put !mid am apniaui pus watt! imp J ufnSuts agl u! spzoM (z) `JapuaS autunuaj am jo spzoM Jo spzom Jainau Suipuodsazzoo apniout pus UMW iisgs zapuas auiinosrtu alp jo spzom (I) :ivatuniisui M sup uI pasn sy •uotstnozd Suuo1iptoo am 1nouum aoa3ja uanIa aq uro tionim ai0N am Jo luauzn'1 "I 4u110as sup 3o sUOislnozd Jatpo ioajju aou fists loTpuoo Lions 'mug algrogddy mint sioilptoo aioN alp Jo luatunzisul Xlpnoas sup ;o asnsio Jo uoTs!nozd Cu e astp !liana alp III •iouruoo mamaaar ismeffr uopTquiozd r sr panuisuoo aq iou pulls aouafts lions 1nq `maps aq map iI Jo )0E 41100 Aq aazSr of s alp mom Ap1o0uq Jo ifIMIIdxa itiTtu mu7 afquoiiddy °mrj a 3 o suoias1TuITj par sivataazinbai of ioafgns azu ivaumtisul ,Citznoas sup uT paup uoo suoprstgo pus sig2p Hy •paiuooi Si Aizadozd alp toulm ui uopotpsunf alp ;o mri alp puu muf luzapa3 paUJanoS aq hugs ivatuttusui Aiunoas situ •uouanusuop Jo sain21 `•,f;iiigs.zanas :mu7 Sufu AoD •9I •ivatan.z;sui SCiunoas sup Japun ivatuaztnbaz Su!puodsazz0o alp ,C,isprs film mama/Tub= A& 1 afggotfddy alp 's' alquogddy Japun pazmbaz osir sT ivaattuisul Ai inoas sup Aq pazmbaJ aopou Cu r 31 •zapur 1 pantaoaz Aiprnios iriun zapua-J of uaniS uaaq anrg of patuaap aq iou putts ivatutWsal Aiunoas sup mutt uopoauuoo uT aopou Auy •zamouog of aopou ssazppu Jammu paivaSisap slit zapua' ssaian utazaq pains ssazppu s,zapua7 0i prat ssjo isztj Aq ii Sugnnu Aq 10 it SuuanTiap uaniS aq lilts zapuaj of aopou Auy atup auo Aur it ivatutuisul *moos sup Joplin ssazppu aopou palruStsap auo ,Ciao aq Artu azatu °ainpaoozd pajpoads iutP tsnonp ssazppu jo aSurgo r iiodaz Aiuo ins OM011011 uatp `ssazppu jo aSurto s,zamo1ZOg SiTuodaJ Jo; aznpaoozd r sat toads zapua ;I •ssazppu jo a&urpo S,JOMOJJ0g jo Japua- Xjpou iCpdutozd iisgs JOMOJJOg •zapuaj of aopou Aq ssazppu aopou ainitisgns paiuiSisap slit Jam0.u0g ssaiun ssaippy ,CizadoJd alp aq Iirgs ssazppu aopou aqu •asimzagio sazinbaz ICissazdxa Mr-I afgrouddy ssalun szam0zzog fir 0i aopou ain1Tisuoo hugs zamoJJOg auo Itus 0i aop0N •suratu Jagio Aq was 3! ssazppu aopou s,zamouog 0i pazan4pap iifrztior uagm Jo flail ssup 1S1g tfq pallet!' uatm Jamo1JOg 01 uaniS uaaq anut of patuaap aq pulls luautnzisul Mpnoas sup tpim uopoauuoo lit Jam0JZOg 01 aopou Auy •Supum lit aq 1sntu luatunusul Aiunoas sup ipim uopoauuoo lit zapua-I JO Jamottog Aq uanTS saopou iitd •saapoN •sI •a2JUgo1ano tons jo in0 2u!SUI? anrg 111211I1 JOMOJ10H 110p0r 30 it$u /WE JO J2ni1M r ain1psu0O HIM JOMOJJOg 0) 1IIata /Crd ioaJTp /Cq aprtu putuaz lions Auu jo aouuidaoor s,Jamozzog (aloN am zapun zoj papinozd sT aSJrto ivatuArdazd r iou J0 zagiagM) aarrgo ivatudrdazd ,Cur inotpTM ivatu'iudazd Iupzud u Su map aq IITM uoponpai agi Irdiouud saonpai punjaz u 31 •Jamouog 0i ivatuArd ioazip Supirat Aq z0 a1oN alp Japun pamo Iudtouud aqi Sutonpaz ,Cq punpaz sup MIrm 01 as00110 dual J apuai •zamozzog 0i papun;az aq !pm sump pailutuad papaaoxa IoTMM JOMO110H 1110.13 1/0130i103 Apraziu stuns Cur (q) pur `•1i u!I palluuzad alp 0i aSzutio alp aonpa1 0i ,CIUSSaoau iunotur agi Aq paonpaz aq pegs aSzstp uro! torts Cur (r) :uaip `smut! pamuuad alp paaoxa urn am tpTm uopoauuoo lit paioapoo aq 0i zo paioa1Ioo saSzrto uro! Jatpo Jo 1sazaiuq alp Alp os palazdta1UT /cling sT ms! Imp put `saairgo tiro! tuntu!xrut sias goulM Mr! r 01 loo fgns sT urn a p 3I °mr-I aiquoiiddy Aq Jo ivatuttt1SUI ICiunoOS sup pa2Tqu!ozd Aissazdxa azu luti saa3 aSJrgo iou Arta zapua-I •aaj lions jo guiSzugo alp uo uotlTgItozd Sr patu1SUOO aq 10u imp JOM0110g 0i a a j OMOads r 02JE1 0i 3uatunl$af diunoas sup 11! ,Ciuotpnr ssazdxa jo aouasgr alp `saa3 Jatio Cur 0i mg= uI •saa3 uoprnirn put uopoadsat tr:899530 18. Transfer of the Property or a Beneficial Interest in Borrower. As used in this Section 18, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by federal law. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the date the notice is given in accordance with Section 15 within which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions, Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of: (i) five days before sale of the Property pursuant to any power of sale contained in this Security Instrument; (ii) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate; or (iii) entry of a judgment enforcing this Security Instrument. Those conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument, including, but not limited to, reasonable attorneys' fees, property inspection and valuation fees, and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument, and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged. Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following forms, as selected by Lender: (a) cash, (b) money order, (c) certified check, bank check, treasurer's check or cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a federal agency, instrumentality or entity or (d) Electronic Funds Transfer. Upon reinstatement by Borrower, this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note; Change of Loan Servicer; Notice of Grievance. The Note or a partial interest in the Note (together with this Security Instrument) can be sold one or more times without prior notice to Borrower. A sale might result in a change in the entity (known as the "Loan Servicer") that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note, this Security Instrument, and Applicable Law. There also might be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer, Borrower will be given written notice of the change which will state the name and address of the new Loan Servicer, the address to which payments should be made and any other information RESPA Loan Number: 0007687809 WYOMING-Singls Family-- Fannla Maa/Fraddla Mac UNIFORM INSTRUMENT I.T. 3/00 Initials Initial 2 14 OM 3051 3/99 (page 12 of 15 pages) MWY12CV AOCLAMW (se5ed gL !0 et eyed) sale L90£ u+ro S T 2 8 1 8 1NuI RION 00/£ '1'I .01311ntl1SM WHOdINn °'VI MPPS /S'W 9 L S`ONIW0AM 608L89L000:JegwnN u801 •dnuualj IEluamu01inua uE loj napua-I no troprBuqo Aug airano IIEgs maim &unuox •ME-i mitauntoilnua tpiM aourpn000e U i Str0p3E mama' ,(iessaoau IIg ale! Apdmoid Hugs iannouog `,Cnessaoau si ISUadond ag! RupoaJe aouelsgtiS St1Op1EZEH i UE JO U0pEipatuaz nip° no IEAOUia1 t(UE Imp `Curd ar nud i(UE n o `,tluotpni £.tolrinSan no IElUawtuanoff due Aq pagpou si no `sutra! naMonnog 3I •Alnado1d ag! Jo amen ag! sloa33E Apsnanpr goigM aourisgns snopnezEH E ;o asralan io asn `aauasaid ag! ,Cq pasneo uompuoo Aug pug `aoirlsgns snOpezEH Aug jo asrapn jo !rani! no anal= `aff1rgosip lupin! `8uiiiids Aug `o! palimtl !ou !nq 8utpmoui `uotlipuoj p uatuuoziAug (z) :apajMOtril Tam SELL IgM011013 qoppn jo Mr-I Irluatuuo1inua n0 aourisqns sfOpp1EZeH !(ATE puE i(uadO1d am 8urnlonut Al1Ed airAud no AMORE £1olrinaaz no jeluawtUaAOB iCur uotlor iagp no lmsntrl `pueraap `miep `uopEBpsanut Cur (I) jo aopou UalluM napuaI 0Al2 gpdmOnd IIrgS zaMO1z0g (slonpond iamnsuoo U! saourlsgns snopnrzrq `ol palimq !otr inq `Suipmout) Xuado1d app jo aourualuieau o! pug sasn IEpuaptsa1 Irauou o! alrudondde aq o! pazp5ooan Allenaua8 anE frig saouElsgns snopzrz1H ;o satlpumnb Hums 3o Allado1d am no a2En02s no `asn `aauasand ag! o! Alddr nu hells saoua3Uas OM) 8uipaoaid agZ •/Cl1ado1d alp ;o acorn alp sloa33r iCjas1anpr !rg! uopipuoo E swan `aourasgns snopiezEH a 3o asralat no `asn `aouasaid aq! o! anp `goigM n0 uopipUOD leluawUO1inua ue saran TIOUTM (z) `Mr-I Igluautu0ninua i(ue 3o imprimis. TIT si leg! (I) Ainado1d am &upoa3jg Bulgy ur `op o! asp aUOiCae Mom n0tr `0p l0u IIEgs JOMOJJ0g •AUado1d am ui no 110 `saOUeisgns snopnrz1H Aug asgala1 o! ualeanil! no `saouelsgtts snopirz1H Cur jo asraja1 no `a5r1ols Irsodsip `asn `aouasand am liuuad no asnro !ou IIEgs Jangling dnuralj Ir3UatUUOn3AUU Ug 1aagu! asInuaglo zo `01 alnquluoo `asnEO aro !ml uoilipuoo E stream „uopipuoJ ieluatuuonuug„ Ur (17) pUr Mr" Irluatuu01inua ui paugap sE `U0p0r Ignoman JO `uopor Irtpawan `uopor asuodsai Aug sapnput „dnuralj Irluawu01j/ua„ :uopoalond IEluamu0ninua n0 !(laps `gllrag o! alriai !e q! palrool si Alnado1d am anagM uopoipsunf am Jo sMrl pur SMEI IEIapaj SUE= „Mtr IE3Uamu0n `s UI oAnoeo pur `apdCgapjRuuoj no solsagsr &uiuiiluoo s3El1a1EUl `sluanjos ajprjon `saptoignag puE sapiopsad oixol `slonpoid wnaloi;ad vim no algganuru zagl0 `auaso1al `auilosEW :saouelsgns $upnolloj am pm ME'I IeluatUUO1inua 1Cq salseM no `s3Uglmlod `saourlsgns snop rzrtl no ontm sr paugap saouelsgns asog! anE „saouEasgns snop1Ez1H„ (1) :iZ uopoaS saip ui pasn sy •saauelsgns snop.Tezeg •1Z •0Z uopoaS sill! Jo suoisiAOld uopor anpoa1n0o a)lel o! Aliunlzoddo puE aopou am JSpes of patuaap aq IIEgs 8I uopoaS 0l lurnsnnd nant011011 03 uaATO 1.10pr1alaOOE 3O 00p0U ag! puE Zz UopoaS 0l luensznd 1antouog 0l uanTJ aino o! AlianUoddo pue uoprnalaoor 3o aopou agI •gde1BE1ed sitp 3o sasodznd 10j algguosraz aq of pawaap aq inn% pouad amp !eg! `u03Ir1 aq uro wpm uiruao aiopaq asddla !sum tlonp pouad amp E sapin0nd ME-I algEoiiddy ;l •uopor anpoannoo aopou gons Jo ffuiniff atp 1aljt pouad algeuosrai g olanatl And iatpo am papn ge pue goeanq pagalle gons 3o (SI uopoaS ;o sluamairnbaz ag! glint aouEildwoo Ui uani8 aopou gons glint) Xued n i po am paupou sEq lapuarl no zaMO1nog gons Whin luamtulsul Slunoas sill! `3o Uosean Aq panto Alnp Aug no `3o uoisinond Atre pagoeaiq sgtl Acrd 1aglo am lrtp saBallr let!! n0 luamnnlsul ,Clunoas sigl 0! luEnsnnd suopor s,Aingd naglo am tuoi3 saspr !rip (ssrp E ;o iagwam am no map!! IEnpIAipui TIE 1aglia sr) Uopo1 Irtoipnf Aug oi pauiof aq no `utof `aouatuwoo Arm zapUa-I nou Jangling 1agli0M •nasEgoind aloes am ,Cq papIAOnd asTMnaglo SSaltrn nasrilonnd aloM am iCq paum5S1 nu an puE (s)nao!nnas uRO-I IOSSa00IIS 0l pa.uaJsurp aq no nao3Anas ueo-I am glint uigala1 HIM 1antouog 0! su0ilrSllgo &ulo1AZas UEOI afrffln0U1 am `aloes am Jo nas1go1nd am num Iagl0 I003AIOS U110' E i(q pao1A1as sr min alp 10!31101013p puE Nos Si mom am 3I •8uioin1as Jo najsurn jo aopou a tg3M u013Oauu00 uT sanmban tiN99NO U86 6834 216 NON UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows: 22. Acceleration; Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to acceleration under Section 18 unless Applicable Law provides otherwise). The notice shall specify: (a) the default; (b) the action required to cure the default; (c) a date, not less than 30 days from the date the notice is given to Borrower, by which the default must be cured; and (d) that failure to cure the default on or before the date specified in the notice may result in acceleration of the sums secured by this Security Instrument and sale of the Property. The notice shall further inform Borrower of the right to reinstate after acceleration and the right to bring a court action to assert the non existence of a default or any other defense of Borrower to acceleration and sale. If the default is not cured on or before the date specified in the notice, Lender at its option may require immediate payment in full of all sums secured by this Security Instrument without further demand and may invoke the power of sale and any other remedies permitted by Applicable Law. Lender shall be entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22, including, but not limited to, reasonable attorneys' fees and costs of title evidence. If Lender invokes the power of sale, Lender shall give notice of intent to foreclose to Borrower and to the person in possession of the Property, if different, in accordance with Applicable Law. Lender shall give notice of the sale to Borrower in the manner provided in Section 15. Lender shall publish the notice of sale, and the Property shall be sold in the manner prescribed by Applicable Law. Lender or its designee may purchase the Property at any sale. The proceeds of the sale shall be applied in the following order: (a) to all expenses of the sale, including, but not limited to, reasonable attorneys' fees; (b) to all sums secured by this Security Instrument; and (c) any excess to the person or persons legally entitled to it. 23. Release. Upon payment of all sums secured by this Security Instrument, Lender shall release this Security Instrument. Borrower shall pay any recordation costs. Lender may charge Borrower a fee for releasing this Security Instrument, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. Loan Number:0007687809 WYOMINOSIngle Family-- Fannie Mao/Freddie Mac UNIFORM INSTRUMENT I.T. 3/00 orm 3051 3/09 (page 14 of 15 pages) MWY14CV A39LAMW (se8ed 91. {O gl eBed) sere 1.4oe w,N (sf 8u 0sa1 3tt# d �CrnyoN aw aioleq pareedde Aneuos:ed 0002 'air aunt (uaw6palMouvy Joi aun x141 mope aosds] OWE '1'I 1N3V flRLSNI WHOdINn Dew 'IPPud/"m M ILMA AVIWed BI NIWOAM 6081 ueoi ZOOZ '1 liul' 4111103 mow v INM0411V, 3f 8fld AF L ZZL88UU ww 011 4841 min sandxa uoissiuiiuoo SIN 'awes eyl palnoexe Aeyueys /ey lsyl e •1 pe6peIMOUre App calm lueww su! anoq ey110 (s)Jeu6ls e41 HnH 1 VONA1 PUB HnH 11 11138011 t Aep 41.0E eyi u0 ol.uawp.nes 30 A.L■I1103 :ss p lU(O:. L (p3 ximN1kl( YM {O all/IS Hn11 8 11138011 •)t ip t papiooaz pug zamouog Aq poinoaxa (s)iapu /(ug ITT pug mamma' Allmon gig) uc pauu uoo slUEUanoo pug suuaa 2g1 oa saaau puE sidaoog zamouoil `MOTIgg rONINOIS Ag gunuo4jo &wet uopdutaxa pgalsaurog agl 3o an qn Aq pug 1apun sig51.1 11? sani1M pug sasgaia1 1amou0g •slaniem •1'Z WHEN RECORDED MAIL TO: First Security Bank, N.A. Afton Mortgage Production Office 485 Washington Afton, WY 83110 ATTN:LAURIE /KERRY THIS SECOND HOME RIDER is made this 28th day of June, 2000 and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or Security Deed (the "Security Instrument of the same date given by the undersigned (the "Borrower," whether there are one or more persons undersigned) to secure Borrower's Note to First Security Bank, N.A. (the "Lender of the same date and covering the Property described in the Security Instrument (the "Property which is located at: 77 W 3RD AVENUE, AFTON, WY 83110 In addition to the covenants and agreements made in this Security Instrument, Borrower and Lender further covenant and agree that Section 6 and 8 of the Security Instrument are deleted and are replaced by the following: 6. Occupancy. Borrower shall occupy, and shall only use, the Property as Borrower's second home. Borrower shall keep the Property available for Borrower's exclusive use and enjoyment at all times, and shall not subject the Property to any timesharing or other shared ownership arrangement or to any rental pool or agreement that requires Borrower either to rent the Property or give a management firm or any other person any control over the occupancy or use of the Property. 8. Borrower's Loan Application. Borrower shall be in default if, during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender (or failed to provide Lender with material information) in connection with the Loan. Material representations include, but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's second home BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this Second Home Rider. LOAN NO: 0007687809 SECOND HOME RIDER ROBERT LYN',: "L RUH [Property Address] (2 (lit, 2 18 (Seal) Borrower (Seal) Borrower (Seal) Borrower (Seal) Borrower MULTISTATE SECOND HOME RIDER Single Family Fannie Mae/Freddie Mac UNIFORM INSTRUMENT FORM 3890 3/99 I.T. 10/99 (page 1 of 1 pages) RMS1SEC